Call reports 2025
FARMERS AND MERCHANTS BANK OF ST. CLAIR — 2025
What FARMERS AND MERCHANTS BANK OF ST. CLAIR reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 361,556,000 | 347,592,000 | 338,765,000 | 335,850,000 |
| Total loans | 220,601,000 | 226,375,000 | 226,267,000 | 230,501,000 |
| Allowance for loan losses | 2,849,000 | 2,865,000 | 2,917,000 | 2,888,000 |
| Securities available for sale | 72,190,000 | 73,674,000 | 76,675,000 | 76,263,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,946,000 | 309,627,000 | 299,265,000 | 285,509,000 |
| Interest-bearing deposits | 258,067,000 | 245,535,000 | 233,602,000 | 228,553,000 |
| Noninterest-bearing deposits | 59,879,000 | 64,092,000 | 65,663,000 | 56,956,000 |
| Equity capital | 35,213,000 | 36,022,000 | 37,409,000 | 38,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,336,000 | 8,863,000 | 13,390,000 | 17,822,000 |
| Interest expense | 1,647,000 | 3,176,000 | 4,508,000 | 5,770,000 |
| Net interest income | 2,689,000 | 5,687,000 | 8,882,000 | 12,052,000 |
| Noninterest income | 569,000 | 1,404,000 | 1,973,000 | 2,619,000 |
| Noninterest expense | 2,303,000 | 4,654,000 | 7,005,000 | 9,348,000 |
| Provision for loan losses | 66,000 | 107,000 | 158,000 | 203,000 |
| Pretax income | 889,000 | 2,330,000 | 3,655,000 | 4,883,000 |
| Income tax | 191,000 | 441,000 | 719,000 | 981,000 |
| Net income | 698,000 | 1,889,000 | 2,936,000 | 3,902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,938,000 | 42,128,000 | 42,182,000 | 42,849,000 |
| Total capital | 43,860,000 | 45,085,000 | 45,140,000 | 45,852,000 |
| Risk-weighted assets | 233,818,000 | 238,450,000 | 236,616,000 | 240,291,000 |